CREDIT ANALYST

Hawthorn Bank•Overland Park, KS

About The Position

The Credit Analyst analyzes financial data for new and existing commercial loans, monitors loan risk and collateral, and prepares credit reviews. Work is performed under standard operating policies and procedures, with independent judgment and discretion required. Questions or deviations from normal procedures are referred to the designated supervisor. The role maintains credit files and data integrity, reviews loan documentation and commercial appraisals, monitors covenant compliance and credit risk, and prepares commercial real estate evaluations. It also involves industry research, queries, reports, correspondence, customer assistance, and assigned project work. The analyst must comply with applicable banking regulations, policies, and procedures. The position has frequent contact with lending department staff, senior management, and customers. It may require work before or after normal business hours to meet deadlines and attend meetings, as well as job-related travel. The work environment typically has a moderate noise level.

Requirements

A four-year degree from an accredited institution, with a major in accounting, finance, business administration, or a closely related discipline; work experience and/or college coursework may substitute for the degree.
At least one year of professional work experience as a credit analyst or in a closely related field.
Strong oral and written communication skills, including the ability to write routine reports and correspondence and speak effectively before groups.
Financial and accounting analytical skills, including the ability to compute rates, ratios, and percentages and interpret bar graphs.
Ability to apply common-sense understanding to detailed instructions and solve problems involving a few concrete variables in standardized situations.
Ability to operate a telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, and fax machine.
Proficiency in Word, Excel, and Outlook; advanced PC knowledge and experience with financial modeling.
Valid driver’s license.
Ability to work before or after normal business hours when needed to meet deadlines and attend meetings; job-related travel may be required.
Ability to meet the role’s physical demands, including occasional lifting or moving of up to 10 pounds and the specified vision requirements.

Responsibilities

Analyze new and existing commercial credit files, calculate financial ratios, prepare credit reviews, recommend loan ratings, and finalize and archive reviews with loan files.
Maintain credit files in accordance with credit policy and protect the integrity of the bank’s data systems; perform documentation reviews.
Monitor, review, and analyze commercial financial reports for loan covenant compliance and monitor credit risk through inspection and observation.
Review commercial appraisals and evaluations in accordance with credit policy.
Prepare commercial real estate evaluations using the bank’s methodologies and best practices.
Create and run queries and conduct industry research and analysis.
Prepare forms, reports, correspondence, and memoranda; answer calls and assist customers.
Perform assigned project work.
Comply with banking regulations, policies, and procedures.
Maintain educational and professional expertise by attending job-related seminars, conferences, and workshops.
Represent the bank in community activities and functions, and participate in prospect and customer marketing calls and banker meetings.